We make decisions based on what we think is fair and reasonable, accounting for the unique circumstances of each case we receive. We anonymise our decisions and write them in a way that prevents the person or small business complaining from being identified.
This database holds all the final decisions we’ve published since 1 April 2013 under the Financial Services and Markets Act 2000, as amended by the Financial Services Act 2012.
Your search returned 360982 results
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Decision Reference DRN-4580110
6 Feb 2024 Zopa Bank Limited Not upheldConsumer CreditDRN-4580110 The complaint Mrs C complains that Zopa Bank Limited (“Zopa”) are unfairly holding her liable for a loan that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat everything again here. In brief summary, Mrs... (3 pages)View decision -
Decision Reference DRN-4580106
6 Feb 2024 Oakbrook Finance Limited UpheldConsumer CreditDRN-4580106 The complaint Mrs C complains that Oakbrook Finance Limited (trading as Likely Loans) (“Oakbrook”) are unfairly holding her liable for a loan that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat everyth... (3 pages)View decision -
Decision Reference DRN-4580103
6 Feb 2024 Mitsubishi HC Capital UK Plc Not upheldConsumer CreditDRN-4580103 The complaint Mrs C complains that Mitsubishi HC Capital UK Plc (trading as “Novuna”) are unfairly holding her liable for two loans totalling £40,000 that she says she didn’t take out. What happened The details of this complaint are well known to both parties, so I won’t repeat... (4 pages)View decision -
Decision Reference DRN-4604700
6 Feb 2024 Advantage Insurance Company Limited UpheldInsuranceDRN-4604700 The complaint Mr P complained about the service he received from Advantage Insurance Company Limited (“Advantage”) following a claim which led to significant inconvenience for him. What happened Mr P made a claim by telling Advantage a named driver on his policy was involved in... (3 pages)View decision -
Decision Reference DRN-4364329
6 Feb 2024 Vacation Finance Limited Not upheldConsumer CreditDRN-4364329 The complaint Mr and Mrs F have complained that Vacation Finance Limited (“VFL”) needed to pay compensation arising out of the sale of a holiday product bought using a VFL loan. What happened In June 2019, Mr and Mrs F took out an agreement with a holiday product supplier (“the... (5 pages)View decision -
Decision Reference DRN-4324020
6 Feb 2024 Link Financial Outsourcing Limited Not upheldConsumer CreditDRN-4324020 The complaint Ms F complains the balances on her Link Financial Outsourcing Limited trading as Asset Link Capital (No.9) loans haven’t reduced as much as she expected. What happened Ms F has two loans with Link Financial Outsourcing Limited – one was originally taken out in Apr... (2 pages)View decision -
Decision Reference DRN-4433513
6 Feb 2024 Volkswagen Financial Services (UK) Limited UpheldConsumer CreditDRN-4433513 The complaint Mr R complains that Volkswagen Financial Services (UK) Limited (“VWFS”) misinformed him about a breathing space hold which was applied to his agreement and believes this has negatively impacted his credit file. Mr R also complains that more repayments were taken f... (5 pages)View decision -
Decision Reference DRN-4582960
6 Feb 2024 Barclays Bank UK PLC Not upheldBanking and PaymentsDRN-4582960 The complaint Mrs B and her representative complain that Barclays Bank UK PLC, trading as Barclaycard (“Barclaycard”), irresponsibly gave her two credit card accounts she couldn’t afford. What happened In May 1989, Mrs B applied for and was given a credit card account with Barc... (3 pages)View decision -
Decision Reference DRN-4513386
6 Feb 2024 National Westminster Bank Plc Not upheldBanking and PaymentsDRN-4513386 The complaint Miss B complained about payments she made from her account with National Westminster Bank Plc (NatWest). She said she made payments to her partner, but he didn’t receive the money. Miss B believes NatWest made an error and wants a refund... (3 pages)View decision -
Decision Reference DRN-4604297
6 Feb 2024 Blue Motor Finance Ltd UpheldConsumer CreditDRN-4604297 The complaint Miss M complains that Blue Motor Finance Ltd (Blue Motor) irresponsibly granted her a hire purchase agreement that she couldn’t afford to repay. What happened My initial conclusions were set out in my provisional decision issued on 24 January 2024. In my provision... (5 pages)View decision
